Credit built for every household
TMF's product suite is engineered around the real cash-flow rhythms of Indian households and micro-enterprises. Click any product for full details, eligibility, processing steps and an EMI calculator.
Insta Finance — Government Employed
Fast individual credit for salaried government employees.
Insta Finance — Corporate Salaried
Working-capital credit for private sector salaried professionals.
Insta Finance — Daily Wage Earners
Dignity-preserving credit for daily-income households.
Insta Finance — Small Business
Working capital for micro-merchants, kirana stores and traders.
Insta Finance — Senior Citizen
Respectful, low-rate credit for India's senior citizens.
Historic comparison — TMF vs the market
A quick look at typical effective rates (per annum) across common credit categories in India. TMF's rates are designed to sit decisively below informal credit and on par with — or below — institutional alternatives.
| Credit source | Typical rate (p.a.) | Collateral | Access for low-income households |
|---|---|---|---|
| Informal moneylenders | 22–60% | Often coercive | Available but exploitative |
| Credit cards / personal loans (banks) | 14–36% | None / income proof | Limited |
| NBFC personal loans | 14–28% | None | Partial |
| Co-operative banks | 10–14% | Varies | Partial |
| MFI sector average (India) | 20–24% | Group guarantee | Strong |
| TMF — SHG / JLG | 10–15% | Group guarantee | Strong |
| TMF — Insta Finance / EMA | 10–12% | None | Strong |
Indicative ranges based on publicly reported data across NBFC-MFI, banking and informal credit sectors in India. Actual rates vary by lender and borrower profile.